Your UBCCU account is only a phone call away with PAL.

When you use PAL, Phone Access Line, you have 24/7 access to your United Bay Community Credit Union accounts. Check balances, transfer funds and make payments from any touch-tone phone.

With PAL you can:

• Get up to date account information
• Transfer funds
• Make loan payments
• Access your accounts without an internet or data connection

First time users, contact Ubay at (989) 892-4597 option 4 to set up your PAL access. 

To access this free service, call 1-866-487-7717 then follow the prompts to access the features you need.